Universal Banker

Mechanics Bank•Chico, CA

14d•$21 - $28•Onsite

About The Position

Mechanics Bank is seeking a Universal Banker to work on-site. Under general supervision, this role independently performs basic to moderately complex banking transactions and provides excellent customer service. The Universal Banker is responsible for accuracy and operational quality, including cash balancing, and follows bank policies, procedures, and banking regulations. The position assists customers, identifies banking needs, makes referrals, and supports the opening of accounts and processing of basic consumer and business lending applications. The role works with branch leadership to meet goals for deposit growth, business and consumer relationships, and operational soundness. Travel is 10–20%.

Requirements

High school degree or GED required; additional experience may be considered in lieu of a degree.
At least 2 years of customer service experience.
At least 1 year of banking and cash-handling experience.
Excellent interpersonal skills, attention to detail, and customer service skills.
Ability to work independently and collaborate effectively as a team member.
Ability to make decisions using available information.
Working knowledge of bank deposit products and services.
Working knowledge of the bank’s consumer loan products.
Basic knowledge of alternative bank services and vendor-provided products.
Ability to persuade customers by explaining the value and benefits of the bank’s services and products.
Knowledge of applicable bank policies and procedures.
Ability to meet the physical demands of the position, including regularly sitting, talking or hearing, and using hands to handle objects, tools, or controls; occasionally standing, walking, reaching, and stooping, kneeling, crouching, or crawling; and occasionally lifting or moving up to 10 pounds.
Ability to perform work in an environment with usually moderate noise.

Responsibilities

Process routine teller transactions, including deposits, withdrawals, check cashing, payments, transfers, and transactions received by mail or night drop.
Serve customers waiting in line efficiently while maintaining accuracy and following established policies, procedures, security guidelines, and regulatory requirements.
Provide deposit services to individuals, fiduciaries, and small businesses; open and close checking, savings, money market, certificate of deposit, and IRA accounts.
Assist with account reconcilement, copies of statements and checks, check orders, account closures, address changes, stop payments, debit card maintenance, wire transfers, and safe deposit box access.
Help customers with account maintenance, online and mobile banking, complex account issues, and concerns.
Assist at other branches as needed.
Interview and profile new and existing customers to recommend suitable banking products and services, including deposit and lending products.
Provide courteous, professional service in person and over the phone; respond accurately and promptly to inquiries.
Follow up with new and existing customers to ensure satisfaction and answer questions.
Maintain and balance cash supplies, follow cash-handling procedures, and balance cash at the end of each shift.
Review transactions for red flags and potential fraud, remain alert to scams, and review accounts before performing overrides.
Obtain, review, and store new-account documentation according to bank policy.
Process and balance ATM activity, daily branch balancing, and cash orders; assist with branch opening and closing according to security procedures.
Gather data and process reports and forms, including Currency Transaction Reports, Reg CC, holds, and overdraft forms, to support compliance with bank policies, the Bank Secrecy Act/Anti-Money Laundering requirements, and other regulations.
Complete required compliance training by assigned due dates.
Maintain compliance with internal operational standards and federal and state regulations; review others’ work for compliance.
Participate in monthly branch audits or daily reviews of operational reports as needed.
Work with the leadership team to pursue goals in deposit growth, business and consumer relationship growth, and operational soundness.

Benefits

Medical, prescription, dental, and vision coverage for employees and eligible family members; health benefits are available to employees working at least 25 hours per week, effective the first day of the month following or coinciding with hire.
Employer-paid Employee Assistance Program, life insurance, AD&D, and disability benefits.
Health Savings Account with employer contribution.
Healthcare and Dependent Care Flexible Spending Accounts and commuter/parking benefit.
401(k) and Roth 401(k) with company contribution.
529 Education Savings plan, tuition reimbursement, and student loan assistance.
Supplemental health plans and voluntary legal and identity theft services.
11 paid holidays, paid sick time accrued at one hour per 30 hours worked, up to 25 paid vacation days, and 16 hours of paid volunteer time per calendar year.
Free personal checking and savings account.
Discounted rates on primary residence loans with $0 origination fees, subject to restrictions.
Eligible for the Retail Incentive Plan.